National Credit Systems,Inc.
20.0K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
National Credit Systems,Inc. complaint mix by product
- Debt collection 16K 77.7% – 0% relief
- Credit reporting 3K 15.6% – 0% relief
- Credit reporting, 1K 6.2% – 0% relief
- Debt or 43 0.2% – 0% relief
- Credit reporting 39 0.2% – 0% relief
- Credit card 6 0.0% – 0% relief
- Mortgage 5 0.0% – 0% relief
How National Credit Systems,Inc.'s 20.0K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 15.6K |
| Credit reporting or other personal consumer reports | 3.1K |
| Credit reporting, credit repair services, or other personal consumer reports | 1.2K |
| Debt or credit management | 43 |
| Credit reporting | 39 |
| Credit card | 6 |
| Mortgage | 5 |
| Consumer Loan | 4 |
| Credit card or prepaid card | 3 |
| Money transfer, virtual currency, or money service | 3 |
| Checking or savings account | 2 |
| Bank account or service | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Payday loan | 1 |
| Vehicle loan or lease | 1 |
| Payday loan, title loan, or personal loan | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 4.4K |
| GA | 3.0K |
| FL | 2.4K |
| NC | 1.3K |
| SC | 825 |
| CA | 616 |
| IL | 505 |
| OH | 505 |
| AL | 487 |
| AZ | 448 |
| MD | 412 |
| NY | 409 |
| MI | 404 |
| LA | 393 |
| TN | 387 |
| PA | 320 |
| VA | 304 |
| NV | 302 |
| CO | 283 |
| MS | 263 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 6.8K |
| False statements or representation | 2.8K |
| Written notification about debt | 2.8K |
| Incorrect information on your report | 2.3K |
| Took or threatened to take negative or legal action | 1.7K |
| Improper use of your report | 797 |
| Problem with a company's investigation into an existing problem | 753 |
| Cont'd attempts collect debt not owed | 508 |
| Communication tactics | 392 |
| Problem with a credit reporting company's investigation into an existing problem | 382 |
| Disclosure verification of debt | 318 |
| Threatened to contact someone or share information improperly | 82 |
| Electronic communications | 68 |
| Problem with a company's investigation into an existing issue | 66 |
| Improper contact or sharing of info | 44 |
| Incorrect information on credit report | 30 |
| Credit monitoring or identity theft protection services | 21 |
| Taking/threatening an illegal action | 16 |
| Problem with customer service | 15 |
| Identity theft protection or other monitoring services | 12 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 68 | 60.3% |
| 2014 | 223 | 94.2% |
| 2015 | 279 | 92.1% |
| 2016 | 380 | 93.4% |
| 2017 | 573 | 98.1% |
| 2018 | 555 | 91.9% |
| 2019 | 551 | 98.5% |
| 2020 | 714 | 98% |
| 2021 | 1.2K | 97.8% |
| 2022 | 1.1K | 97.3% |
| 2023 | 1.6K | 98.5% |
| 2024 | 3.0K | 99.9% |
| 2025 | 5.8K | 100% |
| 2026 | 4.0K | 99.9% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About National Credit Systems,Inc.
National Credit Systems,Inc.'s 20,044 logged complaints reach a nationwide footprint - 54 states have at least one filing on record. Only 37.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2013 through 2026-06-26.
National Credit Systems,Inc. answers 98.7% of complaints inside the CFPB's tracked window and closes 97.7% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about National Credit Systems,Inc..
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does National Credit Systems,Inc. have?
20,044, per the CFPB's public complaint count for this company (see the full breakdown above).
Does National Credit Systems,Inc. respond to complaints on time?
98.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about National Credit Systems,Inc.?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.